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Teachers’ Professional and Personal Development
Teacher Induction
Program(TIP)
CORE COURSE 6
incollaborationwith
Philippine National
Research Center for Teacher Quality

T
Course 6:
Teachers’ Professional
and Personal Development
Introduction
HIS COURSE EMPHASIZES the value of
teachers’ professional and personal development.
It will help you better understand the importance
of continuing professional development and participating
in professional networks to share and enhance your
knowledge and practices. It presents the policies on
promotion and opportunities for progression available
for teachers in the department. You will also know about
how to maintain your personal development and well-
being. As the last course in the TIP, it will help you adopt
practices that will sustain your professional and personal
development.

Intended Course Learning Outcomes
At the end of this course, you should be able to:
1. be familiar, and eventually comply with the guidelines on continuing professional
development, career progression, and promotion,
2. participate in professional networks to share knowledge and to enhance practice
towards continuing professional development (7.3.2), and
3. adopt practices that uphold the dignity of teaching as a profession through
professional and personal development (7.2.2).
Course Outline:
Module 1: Salaries, Wages, and Benefits of Teachers
Module 2: Continuing Professional Development
Module 3: Policies on Promotion and Opportunities for Progression
Module 4: Personal Development and Well-being
Module 5: Developing a Personal Professional Improvement Plan
Estimated time required: 5 hours
Portfolio Output: Professional Development Plan

Module 1 – Salaries, Wages, and Benefits of
Teachers
Intended Module Learning Outcomes
At the end of this module, you should be able to:
1. become aware of existing laws and regulations that apply
to the teaching profession;
2. become familiar with the responsibilities specified in the
Code of Ethics for Professional Teachers, (6.3.1); and
3. regularly review personal teaching practices using existing
laws and regulations that apply to the teaching profession
and the responsibilities specified in the Code of Ethics for
Professional Teachers. (6.3.2)
Module Outline
Session 1: Salary and Allowances of Teachers
Session 2: Incentives and Benefits of Teachers
Session 3: Leave of Absence of Teachers
Session 4: Other Benefits
Estimated Time Required: 1 hour
Required Tasks
• Developmental activities: Learning assessments and
testing prior knowledge
• Scenario and case analysis
• Document reading
Required Resources
Government of the Philippines, Department of Education.
Statement on the Appeal to Provide Leave Benefits for
Teachers during the School Year.
Accessed August 25, 2020. https://www.deped.gov.
ph/2018/10/03/statement-on-the-appeal-to-provide-
leave-benefits-for-teachers-during-the-school-year/
Government of the Philippines, DepEd Order No. 64, s. 1996 on
Implementing Rules and Regulations of Republic Act no.
8187 (The Paternity Leave Act of 1996).
Government of the Philippines, Department of Budget and
Management, NBC No. 514, s. 2007, Guidelines on Grant
of Hardship Allowance. Manila, 2007.
Government of the Philippines, Official Gazette of the Republic
of the Philippines. Performance-Based Incentive System:
Frequently Asked Questions: GOVPH. Accessed August
25, 2020. https://www.officialgazette.gov.ph/pbb/faqs/
Government of the Philippines, Official Gazette of the Republic
of the Philippines. CSC Memorandum Circular No.
2, 2012: GOVPH. February 16, 2012. https://www.
officialgazette.gov.ph/2012/02/16/csc-memorandum-
circular-no-2-2012/
Government of the Philippines, Civil Service Commission, MC
No. 41, s. 1998. Amendments to Rules I and XVI of the
Omnibus Rules Implementing
Book V of the Administrative Code of 1987 (Executive Order
292); Manila City, 1998.
4 The Teacher Induction Program - Core Course 6

Optional Task: Survey
Please complete this short survey. This is an optional task but it
will help you reflect on your current understanding of the different
remunerations you will receive relative to the performance of your
duties and responsibilities as a teacher.
How familiar are you with the following? Check the appropriate box that corresponds to your answer.
Key Topics
Very
familiar
Familiar
Slightly
familiar
Not
familiar
Key Topics
Very
familiar
Familiar
Slightly
familiar
Not
familiar
Basic Salary Scholarship Grant
PERA Maternity Leave
Mid-Year Bonus Paternity Leave
Year-End Bonus Parental Leave
Cash Gift Sick Leave
Anniversary Bonus Indefinite Sick Leave
Loyalty Pay Vacation Leave
PEI Special Leave Privileges
PBB Study Leave
Clothing Allowance Rehabilitation Leave
Cash Allowance Ten (10) days Leave
Special Hardship Allowance Special Emergency Leave
Step Increment Terminal Leave
Proportional Vacation Pay Special Leave Benefits
Guide for Mentors and Newly Hired Teachers 5

Session 1 – Salary and Incentives of Teachers
Key Topic 1: Salary and Allowances of Teachers
What are the salary and allowances of the teacher? How can a teacher avail these? The tables below illustrate in detail the salary and
allowances of teachers. They describe the amount, frequency, qualification, and the legal bases for further (optional) readings.
Teachers in the public school are provided with just compensation as follows:
Benefit Monthly Basic Pay
Description: Monthly basic pay shall refer to the monthly salary for regular and contractual civilian personnel; the total daily wages for the twenty-
two (22) working days a month for casual personnel (equal to the monthly salary of a regular personnel).
Amount Please refer to National Budget Circular (NBC) No. 579 dated January 24, 2020 Annex “A”
Frequency Monthly
Qualification This Circular covers all positions for civilian personnel, whether regular, casual, or contractual in nature, appointive or elective, full-time
or part-time, now existing or hereafter created in the Executive, Legislative, and Judicial Branches, the Constitutional Commissions and
other Constitutional Offices, SUCs, and GOCCs not
covered by RA No. 10149 which are under the jurisdiction of the Department of Budget and Management (DBM).
Legal Bases National Budget Circular No. 579 dated January 24, 2020 Annex “A”
Benefit Personnel Economic Relief Allowance (PERA)
Description: The Personnel Economic Relief Allowance (PERA) is a subsidy granted to all government workers as a form of assistance to help
make ends meet in the face of economic crisis as well as higher prices.
Amount PhP 2,000.00 (Subject to Tax)
Frequency Monthly
Qualification The PERA shall be paid only when basic pay (salary, wage, or base pay) is also paid.
Legal Bases DBM NBC No. 2009-3 dated August 18, 2009

Benefit Special Hardship Allowance
Description: Special Hardship Allowance refers to the allowance granted to qualified teachers under any of the following situations: (1) being
assigned to hardship post; (2) performing multi-grade teaching; (3) carrying out mobile teaching functions; or (4) performing functions
of non-formal education (now Alternative Learning System) coordinators. The qualified teachers may either be resident or transient
having regular or temporary appointments.
Amount At least twenty-five per cent of a teacher’s monthly salary. (Subject to Tax)
Qualification Guidelines on the Grant of Special Hardship Allowance shall apply to the following personnel of the Department of Education:
(National Budget Circular No. 514 dated December 5, 2007)
• Classroom teachers in elementary and secondary schools and school heads/administrators assigned to a hardship post;
• Multi-grade teachers;
• Mobile teachers; and
• Non-formal Education or Alternative Learning System (ALS) Coordinators.
Legal Bases Republic Act No. 4670 June 18, 1966
National Budget Circular No. 514 dated December 5, 2007
Benefit Uniform/Clothing Allowance
Description: The uniform/clothing Allowance (UCA) authorized under the pertinent general provision of the annual General Appropriations Act (GAA)
is granted to cover the cost of uniform/clothing of government employees to identify them with their mother agency/office.
Amount PhP 6,000.00 (Subject to Tax)
Frequency Annually
Qualification Covers civilian government personnel occupying regular, contractual, or casual positions; appointive or elective; rendering services
on full-time or part-time basis. A newly hired employee may qualify for the grant of Clothing Allowance only after rendering six (6)
months of service, and if expected to render service for at least 6 months for the rest of the year.
Legal Bases DBM Budget Circular (BC) No. 2012-1 dated February 23, 2012

Required Task 1: Learning Assessment
Respond to the situation-based questions below. Write down
your answer/s on the space provided and discuss it with your
mentor.
Scenario 1: Teacher Belgira is a newly hired teacher at St. Francis
National High School. According to the principal,
he will receive his first monthly salary soon. Aside
from his monthly salary, what other monetary
compensation is he entitled to as a teacher in a
public school?
Scenario 2: Teacher Annie, a newly hired teacher, was assigned
as a multi-grade Teacher at Sitio Pag-asa
Elementary School. What monetary compensation
is she entitled to as a teacher in a public school?
Benefit Cash/Chalk Allowance
Description: This allowance is intended to augment the expenses incurred/spent by teachers in the actual performance of their teaching
responsibilities.
Amount PhP 3,500.00
Frequency Annually
Qualification The Cash Allowance shall be granted to all permanent and provisional teachers, including Alternative Learning System (ALS) Mobile
Teachers and District ALS Coordinators (DALSCs), in all public elementary, junior, and senior high schools, and community learning
centers, who are in service in DepEd for the current school year, and assigned with at least one teaching load.
Legal Bases DepEd Order No. 010, s. 2020 dated June 8, 2020

Session 2 – Incentives and Benefits of Teachers
Key Topic 1: Incentives and Benefits of Teachers
The table below illustrates in detail the incentives and benefits of teachers. It provides a short description
of the benefit to be received or availed by the teacher, the amount, frequency, qualifications, and the legal
bases for further (optional) readings. Teachers in the public schools are rewarded with incentives as follow:
Benefit Mid-Year Bonus
Description This is equivalent to one (1) month basic pay as of May 15 and shall be given to entitled personnel not earlier than May 15 of the
current year.
Amount One (1) month basic salary
Frequency Annually
Qualification The Mid-Year Bonus, equivalent to one (1) month basic salary as of May 15 of a given year, shall be granted to those who have
rendered at least four (4) months of satisfactory service and are still in the service as of same date, to be given not earlier than May
15 of every year, subject to the rules and regulations provided under Budget Circular (BC) No. 2017-2 dated May 8, 2017.
Legal Bases Budget Circular No. 2017-2 dated May 8, 2017
National Budget Circular No. 579 dated January 24, 2020
Benefit Year-End Bonus and Cash Gift
Description: The existing Year-End Bonus, equivalent to one (1) month basic salary and Cash Gift of PhP 5,000.00 which are categorized under the
Standard Allowances and Benefits component of the Total Compensation Framework (TCF), shall be given in November of every year.
Amount One (1) month basic salary + PhP 5,000.00
Frequency Annually
Qualification The Year-End Bonus, equivalent to one (1) month basic pay as of October 31 of the year and the Cash Gift at PhP 5,000.00, shall be
granted to each personnel who has rendered at least a total or an aggregate of four (4) months of service from January 1 to October
31 of the year, including leaves of absence with pay, and who is still in the service as of October 31 of the same year.
Legal Bases Republic Act No. 6686, as amended by Republic Act No. 8441
National Budget Circular No. 579 dated January 24, 2020

Benefit Productivity Enhancement Incentive (PEI)
Description Productivity Enhancement Incentive is the across-the-board bonus equivalent to either PhP 5,000.00 or one (1) month basic salary,
which shall be granted to government personnel of the agencies which meet the conditions stipulated in EO No. 181, s. 2015.
Amount PhP 5,000.00 which shall continually be granted across-the-board.
Frequency Annually
Qualification • Civilian government employees occupying regular, contractual, or casual positions; appointive or elective; rendering services on a
full-time or part time basis.
• The employees are still in the service as of October 31 of the year.
• The employees have rendered at least a total or an aggregate of four (4) months of at least satisfactory service for the year,
including leaves of absence with pay, to be entitled to the full amount of the PEI.
• Those who have rendered less than the total or aggregate of four (4) months of service shall be entitled to prorated PEI.
Legal Bases DBM Budget Circular No. 2013-3 dated November 21, 2013
DBM Budget Circular No. 2014-3 dated December 02, 2014
DepEd Memorandum No. 65, s. 2015 dated June 23, 2015
Benefit Performance-Based Bonus (PBB)
Description The PBB is a bonus introduced via the Performance-Based Incentive System (PBIS), shall be given to employees based on their
contribution to the accomplishment of their Department’s overall targets and commitments.
Each agency must satisfy conditions e.g. good governance conditions, procurement requirements, among others, to be eligible for the
grant of PBB.
Amount Performance Category PBB as % of Monthly Basic Salary
Best Delivery Unit – 65%
Better Delivery Unit – 57.5%
Good Delivery Unit – 50%
(Subject to Tax)
Frequency Annually (reliant to the performance of a government agency)
Qualification • An official or employee who has rendered a minimum of nine (9) months of actual service during the current rating period, and
with at least “Satisfactory” performance rating may be eligible for the full grant.
• An official or employee who rendered less than nine (9) months but a minimum of three (3) months of actual service during the
current rating period, and with at least “Satisfactory” performance rating may be eligible for the grant of PBB on a pro-rata basis
corresponding to the actual length of service rendered.
Legal Bases Executive Order No. 80, s. 2012
DepEd Order No. 028 s. 2019 dated October 17, 2019

Benefits Anniversary Bonus
Description Anniversary Bonus is a financial incentive authorized under Administrative Order No. 263 dated March 28, 1996, to be granted to
government employees on the occasion of their agencies’ milestone years.
Amount PhP 3,000.00
Frequency The Anniversary Bonus shall be granted only during milestone years and shall be received by the employee only once every 5 years,
regardless of transfer from one government entity to another. A milestone year refers to the 15th anniversary and to every 5th year
thereafter.
Qualification All government personnel whether employed on full time or part time bases, under permanent, temporary or casual status, elective or
appointive, including contractual personnel whose employments are in the nature of regular employees who have rendered at least 1
year of service in the same agencies as of the date of milestone years and continue to be employed in the same government entities
as of the occasion of their milestone anniversaries.
Legal Bases Administrative Order No. 263 dated March 28, 1996
National Budget Circular No. 452 dated May 20, 1996
Benefits Loyalty Award
Description The Loyalty Award is granted to all officials and employees, in the national and local government who rendered ten (10) continuous
and satisfactory service in the government, and 5 years thereafter.
Amount 10th year: PhP 10,000.00 20th year: PhP 5,000.00 30th year: PhP 5,000.00
15th year: PhP 5,000.00 25th year: PhP 5,000.00 35th year: PhP 5,000.00
40th year: PhP 5,000.00
Frequency
Qualification The Loyalty Award is granted to all officials and employees, in the national and local governments, including those in the state
universities and colleges (SUCs) and government owned and controlled corporations (GOCCs) with original charter, who rendered ten
(10) continuous and satisfactory service in the government.
Legal Bases CSC MC No. 06, s. 2002
Commission on Audit Circular No. 2013-003 dated January 30, 2013

Required Task 1: Check your understanding
Respond to the scenarios below. Write down your answer/s on
the space provided and discuss it with your mentor.
Scenario Explanation
Scenario 1. There are three (3) newly hired teachers in San Vicente
Elementary School. Teacher Valdez started on June 5, 2020;
Teacher De Guzman started on August 7, 2020; and Teacher
Camat started on October 8, 2020. Who among the three
teachers is/are qualified to receive a 2020 Year-End Bonus?
Explain your answer.
Scenario 2. Teacher Elegado is a teacher in San Antonio Senior High
School. Based on the assessment, her school ranked as “Better
Delivery Unit.” How much Performance-Based Bonus (PBB) will
she receive? (please refer to National Budget Circular No. 579
dated January 24, 2020 Annex “A”)
Scenario 3: Teacher Corpuz, a public school teacher, heard that his co-
teacher Teacher Alferez just received PhP 10,000.00 Loyalty
Pay. He is expecting the same; but according to the principal, he
is not qualified. If you were the principal, how would you explain
it to Teacher Corpuz?
Scenario 4: Teacher Tagayon is a newly hired teacher in Timbao Elementary
School. Her first day of service was November 12, 2019. Is she
entitled to receive Cash Allowance for the school year 2020?

Session 2 – Leave of Absence of Teachers
Key Topic 1: Leave of Absence of Teachers
Teachers are given leave of absence benefits to promote work-
life balance. They need to restore productivity when they return
to work. Listed below are the different leaves of absence that
a teacher in a public school can avail. The legal bases are also
provided for further (optional) readings.
Proportional Vacation Pay (PVP)
For SY 2019-2020, each teacher who has rendered continuous
service from June 3, 2019 to April 3, 2020 shall be entitled to
80 days total of PVP from Summer and Christmas vacation
days. (DepEd Memorandum No. 049, s. 2020 dated April 30,
2020)
Maternity Leave
One hundred five (105) days for female workers with an option
to extend for an additional thirty (30) days without pay, and
granting an additional fifteen (15) days for solo mothers,
and for other purposes. You can avail of maternity leave in
every instance of pregnancy regardless of the frequency. You
can avail yourself of this maternity leave even if the delivery
or miscarriage happens to fall during the 2-month long
vacation. You can claim for both the maternity benefits and
the proportional vacation pay. (Republic Act No. 11210 dated
May 1, 2019)
Paternity Leave
It refers to the privilege granted to a married male employee
allowing him not to report for work for seven (7) days while
continuing to earn the compensation. Seven (7) days with full
pay for the first four (4) deliveries of the legitimate spouse with
whom he is cohabiting and for other purposes. The same may
be enjoyed either in a continuous or in an intermittent manner
by the employee on the days immediately before, during, and
after the child birth or miscarriage of his legitimate spouse.
Said leave shall be availed of not later than sixty (60) days
after the date of the child’s delivery. (Republic Act No. 8187
or Paternity Leave Act of 1996, DO 65, S. 1996, MC No. 01,
s. 2016)
Parental Leave
This refers to leave benefits granted to a solo parent to perform
parental duties and responsibilities where physical presence
is required. The solo parent must have rendered government
service for at least one (1) year, whether continuous or
broken, reckoned at the time of the effectiveness of RA No.
8972 on September 22, 2002 and regardless of employment
status. (Civil Service Commission Memorandum Circular No.
08, s. 2004)
Special Privilege Leave
It is a leave of absence which may be available for a maximum
of three (3) days annually to mark special milestones and/or
attend to filial and domestic emergencies such as birthday,
anniversary, mourning, PTA meetings, etc. Special leave
privilege may be availed of by the official/employee when the
occasion is personal to him and that of his immediate family.
You are not entitled to these types of leave of absence because
as a teacher, you are enjoying a 2-month long vacation. (MC
No. 06, s. 1999 dated March 9, 1999)
Sick Leave
A type of leave of absence which is granted on account of
sickness or disability of the employees or any member of their
family (parents, brothers, sisters, children, spouse and even
house help who are living with the employees). Teachers who
render work during the prescribed office hours and do not enjoy
the 2 months’ summer vacation shall be entitled to a 15-day
vacation and 15-day sick leave every year. As a teacher, you
can avail of the sick leave with pay if such leave will be charged
against your accrued service credits. You earn service credits
if you render services during summer, Christmas vacation, or
holidays as authorized by proper authorities. The number of
days of service credits granted to a teacher shall not exceed
15 work days in one year except in cases authorized by the

Secretary upon the recommendation of the Regional Director.
(Republic Act No. 4670 dated June 18, 1966)
Indefinite Sick Leave
It is a leave of absence that shall be granted to teachers when
the nature of the illness demands a long treatment that will
exceed one year at the least. Application for sick leave in
excess of five (5) successive days shall be accompanied by a
proper medical certificate. (Republic Act No. 4670 dated June
18, 1966)
Vacation Leave
Teachers who render work during the prescribed office hours
and do not enjoy the 2-months summer vacation shall be
entitled to 15-day vacation leave every year. (Republic Act
No. 4670 dated June 18, 1966)
Study Leave
Teachers in the public schools shall be entitled to study leave
not exceeding one school year after seven years of service.
Such leave shall be granted in accordance with a schedule set
by the Department of Education. A teacher shall be entitled to
at least 65% of his monthly salary provided he or she takes
regular study load and passes at least 75% of the courses.
Study leave of more than one year shall be permitted by the
DepEd Secretary but without compensation. (Republic Act
No. 4670 dated June 18, 1966)
Rehabilitation Leave
This is granted to employees for disability on account of
injuries sustained while in the performance of duty. The
duration, frequency, and terms of availing this leave shall be
based on the recommendation of the medical authority i.e.
maybe half day basis, intermittent schedule or less than six (6)
months, but not to exceed six (6) months and their absences
shall not be deducted from the sick and vacation leave credits.
(CSC DBM Joint Circular No. 01, s. 2006 dated April 27, 2006)
Special Emergency Leave
It is a 5-day leave granted to those employees directly affected
by natural calamities and disasters. (CSC Resolution No.
1200289 dated February 8, 2012)
Special Leave Benefits for Women
Special Leave Benefits are for qualified female public
sector employees who have undergone surgery caused by
gynaecological disorders’ pursuant to the provision and
implementing rules and regulations of the Magna Carta of
Women. A woman-employee who has rendered continuous
aggregate employment service of at least six (6) months
for the last twelve (12) months shall be entitled to a special
leave benefit of two (2) months with full pay based on her
gross monthly compensation following surgery caused by
gynaecological disorders. Gynecological disorders refer to
disorders that would require surgical procedures such as,
but not limited to dilatation and curettage and those involving
female reproductive organs such as the vagina, cervix, uterus,
fallopian tubes, ovaries, breast, adnexa and pelvic floor, as
certified by a competent physician. For purposes of the Act
and these Rules and Regulations, gynaecological surgeries
shall also include hysterectomy, ovariectomy, and mastectomy.
(Section 18, Republic Act 9710)
Violence Against Women and their Children 10-day Leave
(RA No. 9262)
Any woman-employee in the government service, regardless
of employment status and/or whose child is a victim of violence
and whose age is below eighteen (18) or above eighteen (18),
but unable to care of oneself, is entitled to avail of the ten (10)
days leave. It may be in a continuous or intermittent manner
to cover the days they have to attend to medical and legal
concerns. (Section 43, Republic Act 9262, MC No. 15, s. 2006)

Required Task 1: Check your Understanding
Respond to the scenario below. Write down your answers on the
space provided below and discuss them with your mentor. Limit
your responses to 100 words per scenario.
Scenario 1: Teacher Lani, a Senior High School Teacher, gave birth
to her fifth child. Can she avail of maternity leave?
If yes, how long? Will she still receive a salary even
if she is on leave for a reason already mentioned?
Scenario 2: One of the teachers in Dela Paz Elementary School
was suffering from domestic violence. Allegedly, her
husband was having an affair with other women,
resulting in the withdrawal of financial support for
their three (3) children. The teacher wants to take
some time off to file a case against her husband,
but she is worried that she has already incurred too
many absences, leaving her with no more service
credits. What will you advise the teacher?

Scenario 3: Teacher Anthony is a Technical-Vocational-Livelihood
(TVL) teacher in Sto. Tomas Senior High School.
During his demonstration teaching, an accident
happened due to a short circuit. He was rushed to
the hospital. The doctor advised him to leave work
for 2 weeks. What benefits is he entitled to?

Required Task 2:
Match the leave benefits of teachers to their approved days
of leave of absence. Write the letter that corresponds to your
answer on the line provided for before each item. Some answers
can be used twice.
1. Maternity Leave A. 7 days
2. Paternity Leave B. 5 days
3. Parental Leave C. 3 days
4. Sick Leave D. 10 days
5. Special Leave Benefits for Women E. 15 days
6. Leave (Violence Against Women and their Children Act of 2004) F. 6 months to 1 year
7. Special Leave Privileges G. Less than 6 months
8. Study Leave H. 2 months
9. Rehabilitation Leave I. 105 days
10. Special Emergency Leave

Session 3: Other Benefits
Key Topic 1: Other Benefits
Aside from salaries, allowances, incentives, and leaves of
absence, here are other benefits that a teacher in a public school
can avail. The legal bases are also included for further (optional)
readings.
1. Step Increment- An employee may progress from Step 1
to Step 8 of the salary grade allocation of his/her position
in recognition of meritorious performance based on a
Performance Management System approved by the CSC
and/or through length of service, in accordance with the
rules and regulations to be promulgated jointly by the
DBM and the CSC.
• A one (1) step increment shall be granted to officials
and employees for every 3 years of continuous
satisfactory service in their present positions.
• Two(2)StepIncrementsduetoMeritoriousPerformance
may be granted to a qualified official or employee who
has attained two (2) ratings of “Outstanding” during two
(2) rating periods within a calendar year.
• One(1)StepIncrementduetoMeritoriousPerformance
may be granted to a qualified official or employee
who has attained one (1) rating of “Outstanding”
and one (1) rating of “Very Satisfactory,” or two (2)
ratings of “Very Satisfactory” during the two (2) rating
periods within a calendar year.
• (CSC DBM Joint Circular No. 1, s. 2012 dated
September 3, 2012)
2. Automatic Upgrading of Positions for Eligible Public
School Teachers through Equivalent Records Form
(ERFs) Scheme. Automatic position upgrading is granted
to Teachers I who have rendered 20 years or more of
satisfactory teaching service without the need for filling
an application for ERF upgrading. (DO 52, s. 1999 dated
May 12, 1999)
3. Scholarship Grant. The Department of Education
(DepEd) fully supports the continuous development of its
manpower to improve performance through scholarship/
fellowship and training grants local and overseas among
others. The guidelines shall be observed in identifying
nominees stipulated in DepEd Order No. 68, s. 2009.
4. Medical Examination and Treatment. Compulsory
medical examination shall be provided free of charge for
all teachers before they take up teaching, and shall be
repeated not less than once a year during the teacher’s
professional life. Where medical examinations show that
medical treatment and/or hospitalization is necessary,
the same shall be provided free by the government entity
paying the salary of the teachers. (Republic Act No. 4670
dated June 18, 1966)
5. Compensation for Injuries. Teachers shall be protected
against the consequences of employment injuries in
accordance with existing laws. The effects of the physical
and nervous strain on the teacher’s health shall be
recognized as a compensable occupational disease in
accordance with existing laws. (Republic Act No. 4670
6. Salary Increase upon Retirement. Public school
teachers having fulfilled the age and service requirements
of the applicable retirement laws shall be given one range
salary raise upon retirement, which shall be the basis of
the computation of the lump sum of the retirement pay
and the monthly benefits thereafter. (Republic Act 4670
7. Terminal Leave. It refers to the money value of the total
accumulated leave credits of an employee based on the
highest salary rate received prior to or upon retirement
date/voluntary separation. (MC No. 41, s. 1998 dated
December 24, 1998)

Summary
The focus of this module is on the salaries, incentives, leaves of
absence, and benefits of teachers in public schools. Among the
privileges are as follow:
• Basic Salary • Maternity Leave
• Personnel Economic Relief Allowance (PERA) • Paternity Leave
• Mid-Year Bonus • Parental Leave
• Year-End Bonus • Sick Leave
• Cash Gift • Indefinite Sick Leave
• Anniversary Bonus • Vacation Leave
• Loyalty Pay • Special Leave Privileges
• Productivity Enhancement Incentive (PEI) • Study Leave
• Performance-Based Bonus (PBB) • Rehabilitation Leave
• Clothing Allowance • Ten (10) days Leave
• Cash Allowance • Special Emergency Leave
• Special Hardship Allowance • Special Leave Benefits for Women
• Step Increment • Terminal Leave
• Proportional Vacation Pay (PVP) • Scholarship Grant
• Salary Increase Upon Retirement • Medical Examination and Treatment
• Automatic upgrading of Positions through ERF’s
scheme
• Compensation for Injuries

Required Task: Reflection Question (Portfolio
Output)
The Department of Education values the vital role of teachers in
nurturing the holistic being of the learners to become productive
citizens of the nation. It ensures teachers just compensation,
incentives, benefits, and rewards for them to live a decent life.
As a new member of the DepEd family, how can you show
appreciation to this effort of the government?

Module 2 – Continuing Professional
Development
At the end of this module you should be able to:
1. understand the guidelines on continuing professional
development (CPD), career progression and
promotion;
2. assess one’s credential and practice in view of the
CPD requirements; and
3. craft a Professional Development Plan based on
learning needs.
Module Outline
Session 1 – Republic Act 10912: Continuing Professional
Development (CPD) Act of 2016
Session 2 – Resolution No. 11, s. 2017: Operational Guidelines in
the Implementation of RA 10912 for Professional Teachers
Required Tasks
The following are the tasks in this module:
1. Reflection
2. Enumeration Activity
3. Reading
4. Preparing a Professional Development Plan
Required Resources
DepEd Order No. 001, s. 2020 on Guidelines for NEAP
Recognition of Professional Development Programs
and Courses for Teachers and School Leaders. (https://
www.deped.gov.ph/wp-content/uploads/2020/01/DO_
s2020_001.pdf)
Implementing Rules and Regulations of Republic Act No. 10968
on An Act Institutionalizing the Philippine Qualifications
Framework (PQF), Establishing the PQF-National
Coordinating Council (NCC) and Appropriating Funds
Therefor. (https://www.officialgazette.
gov.ph/2019/01/15/implementing-rules-and-regulations-of-
republic-act-no-10968/)
Resolution No. 11, s. 2017 on Operational Guidelines in the
Implementation of RA 10912, Otherwise Known as
“Continuing Professional Development (CPD) Act of 2016”
for Professional Teachers. (https://www.prc.gov.ph/sites/
default/files/resoProfTeachers
2017-11.pdf)
Republic Act No. 7836 on An Act to Strengthen the Regulation
and Supervision of the Practice of Teaching in the
Philippines and Prescribing a Licensure Examination for
Teachers and for Other Purposes. (https://www.pcw.gov.
ph/law/republic-act-7836)
Republic Act No. 10912 on Act Mandating the Continuing
Professional Development Program for All Regulated
Professions, creating the Continuing Professional
Development Council. (https://www.officialgazette.gov.
ph/2016/07/21/republic-act-no-10912/)

Session 1 – Republic Act No. 10912 on
Continuing Professional Development (CPD) Act of 2016.
Preliminary Activity
1. As a teacher, what good qualities and assets do you
have? How is it helpful in your professional practice?
Input your answer here.
2. Reflecting on your current practices, what domains of
teaching practice do you want to further improve? You
may refer to specific domains or strands from the PPST.

Key Topic 1: Teacher Professional Growth
The professional development of teachers takes place in a
continuum. In order to help you keep track of your professional
growth, you are guided by ‘sign posts’ which are represented by
the Philippine Professional Standards for Teachers (PPST)’s career
stages:
Beginning
Training
Exemplary
Practice
BEGINNING PROFICIENT HIGHLY PROFICIENT DISTINGUISHED
(Career Stage 1) (Career Stage 2) (Career Stage 3) (Career Stage 4)
The Teacher Induction Program (TIP) helps newly-hired teachers
meet the expectations of Career Stage 2 – Proficient, which is
the minimum requirement for all teachers in the department.
Moving across the professional development continuum towards
exemplary practice takes time and experience. However, it also
depends on one’s personal motivation and determination to
improve. Number of years in the service does not solely guarantee
professional growth. Therefore, teachers are expected to engage
in professional development programs or take courses which will
support them towards achieving exemplary practice.
Drawing from research on teacher effectiveness, Omrod (2008)
suggested the following strategies for teachers to learn and
develop:
• Continue to take courses in teacher education.
• Learn as much as you can about the subject matter you
teach.
• Learn as much as you can about specific strategies for
teaching your particular subject matter.
• Believe that you can make a difference in learners’ lives.
• Continually reflect on and critically examine your
assumptions, inferences, and teaching practices.
• Conduct your own research.
• Learn as much as you can about the culture(s) of the
community in which you are working.
You can always improve your teaching. The amount of improvement
is connected to how much improvement you believe you need and
how persistently you work at it. As a beginning teacher, you should
expect to encounter some challenges in the teaching career, but
you should also learn from your experience and improve your
professional skills over time.
In most schools in the country, professional development for
new and seasoned teachers has similar characteristics. New and
seasoned teachers attend In-Service training before the beginning
of the school year and during semestral break.

Key Topic 2: Continuing Professional Development (CPD)
Professional development is actually prescribed by law through
Republic Act No. 10912, also known as Act Mandating the
Continuing Professional Development Program for All Regulated
Professions, creating the Continuing Professional Development
Council. This Act mandates and strengthens the continuing
professional development program for all regulated professions,
including the teaching profession, (Republic Act 10912). The
measure will ensure the continuous improvement of the competence
of the professionals in accordance with the international standards
of practice, thereby, ensuring their contribution in uplifting the
general welfare, economic growth and development of the nation.
RA 10912 presents some important terms that you need to know
(Figure 1).
Figure 1. Definitions of Important Terms
CPD Program
refers to a set of learning activities
accredited by the CPD Council such as
seminars, workshops, technical lectures
or subject matter meetings, nondegree
training lectures and scientific meetings,
modules, tours and visits, which equip the
professionals with advanced knowledge,
skills and values in specialized or in an
inter- or multidisciplinary field of study,
self-directed research and/or lifelong
learning
CPD credit unit
refers to the value of an amount of learning
that can be transferred to a qualification
achieved from formal, informal or
nonformal learning setting, wherein credits
can be accumulated to predetermined
levels for the award of a qualification.
Continuing Professional
Development or CPD
refers to the inculcation of advanced
knowledge, skills and ethical values in
a post-licensure specialization or in an
inter- or multidisciplinary field of study, for
assimilation into professional practice, self-
directed research and/or lifelong learning.

RA 10912 Section 4 specifies that CPD Programs in each of the
regulated professions are formulated and implemented to:
a. enhance and upgrade the competencies and qualifications
of professionals for the practice of their professions
pursuant to the Philippine Qualifications Framework (PQF),
the ASEAN Qualifications Reference Framework (AQRF)
and the ASEAN Mutual Recognition Arrangements (MRAs);
b. ensure international alignment of competencies and
qualifications of professionals through career progression
mechanisms leading to specialization/sub-specialization;
c. ensure the development of quality assured mechanisms
for the validation, accreditation and recognition of formal,
non-formal and informal learning outcomes, including
professional work experiences and prior learning;
d. ensure maintenance of core competencies and development
of advanced and new competencies, in order to respond to
national, regional and international labor market needs; and
e. recognize and ensure the contributions of professionals
in uplifting the general welfare, economic growth and
development of the nation.
Meanwhile, CPD Programs consist of activities that range
from structured to unstructured activities, which have learning
processes and outcomes. These include, but are not limited to, the
following: formal learning, non-formal learning, informal learning,
self-directed learning, online learning activities, and professional
work experience.

Required Task 1: Enumeration Activity
Read RA 10912 and give examples for each type of activity that can be considered as a CPD program.
Activity Example
1. formal learning
2. non-formal learning
3. informal learning
4. self-directed learning
5. online learning activities
6. professional work experience

Summary
• Becoming an outstanding public school teacher takes time
and experience. Continuing professional development
can help teachers progress.
• Continuing professional development is prescribed by
law through Republic Act No. 10912, also known as Act
Mandating the Continuing Professional Development
Program for All Regulated Professions, creating the
Continuing Professional Development Council.

Session 2 – Resolution No. 11, s. 2017 on
Operational Guidelines in the Implementation of RA
10912 for Professional Teachers.
The professional growth and lifelong learning of teachers are
essential in ensuring the quality of basic education. Teachers
nurture a responsible and literate citizenry. The State recognizes
the vital role of teachers in nation-building and development as
stipulated in Section 2 of Article I of Republic Act (RA) No. 7836 on
Philippine Teachers Professionalization Act of 1994.
In order to continuously improve the competence of professional
teachers, DepEd implements various professional development
initiatives. These learning experiences are intended to address
teachers’ identified competency-based gaps or development
needs. The quality of CPD interventions shall be assured through
an institutionalized Recognition System. The prescribed CPD
requirements and procedure are indicated under Resolution No.
11, s. 2017 issued by the Professional Regulatory Board for
Professional Teachers. This contains the operational guidelines in
the implementation of RA No. 10912 on CPD Act of 2016.
Required Task 1: Reading
Read the CPD Operational Guidelines. Use the provided template
in noting down your issues, concerns, and new learning. Share
your notes with your mentor and co-newly hired teachers during
your learning discussion.
CPD Operational Guidelines
Issues or Concerns New Learning

Analyze each given scenario. Apply your learning on CPD
Operational Guidelines and identify whether the statements are
True or False.
1. Teacher Gilda has served in her school for six years.
Her Professional Identification Card (PIC) expired two
months ago. She actually thought of skipping the errand
for renewal because of her workloads. She changed her
mind after knowing the new system of the Professional
Regulation Commission (PRC) on renewal. Whenever there
is an available professional program offered by a certified
provider online, Teacher Gilda prioritizes participation in it.
This helps her a lot in writing articles to a monthly teacher
magazine. Her contribution in teaching innovations has
been recognized not just in her school but in the Schools
Division as well.
STATEMENTS ANSWERS FEEDBACK
Teacher Gilda needs to present a certificate of
attendance (even without the corresponding
number of hours) for approval of credit units to a
program.
The published articles of Teacher Gilda in the
teacher magazine may also provide her credit
units for renewal of professional license.
Teacher Gilda shall present a duly notarized copy
of certification from the awarding body if she
intends to include her recognition points as part
of accumulated credit units.
All professional development programs and courses offered to
teachers shall be aligned to the Philippine Professional Standards
for Teachers (PPST) and Three-year Professional Development
Priorities of DepEd. The validated and recognized CPD credit units
earned by a professional shall be accumulated and transferred in
accordance with the pathways and equivalencies of the Philippine
Qualifications Framework (PQF).

Optional Task: Reading
Read the Implementing Rules and Regulations of RA No. 10968
on Philippine Qualifications Framework (PQF) Act. Share your
new learning with your mentor and co-newly-hired teachers
during your discussion meeting. The template below can help
you in organizing your insights. Provisions of the law that are
related with the duties and responsibilities of DepEd may also be
discussed in your Learning Action Cell (LAC).
Salient Points of the PQF Act Issues or Concerns New Learning
Optional task: Reflection
Cite your personal experience in applying for renewal of your
Professional Identification Card (PIC). Identify the hindering and
facilitating factors in the process that you encountered. Be open
with your mentor and co-newly-hired teachers in sharing your
experience for reflective learning.
Your Personal Experience Hindering Factors Facilitating Factors

Required Task 2: Preparing a Professional Development Plan
Identify and prioritize your professional development needs with the help of your
mentor. Fill in the necessary details in the template below. This will guide you on
the activities to be undertaken in order to meet the requirements prescribed in
CPD policies.
MY PROFESSIONAL DEVELOPMENT PLAN
for (School Year )
Professional
Development Needs
Proposed CPD
Activities
Timeline
Credit Units that
I may Earn
Supporting
Documents to Secure
Support Needed

Summary
With the government’s commitment to advocate far-reaching
reforms in Human Resource Development, RA No. 10912 on
Continuing Professional Development (CPD) Act of 2016 has
been implemented. This provided the purpose for the issuance
of Resolution No. 11 s. 2017, which contains the Operational
Guidelines for Teachers in the Implementation of RA 10912
otherwise known as “Continuing Professional Act of 2016” for
teachers. The conduct of relevant professional development
interventions for teachers has been made to address existing
learning needs. These interventions have to be delivered by
accredited learning service providers for quality assurance.
The State shall ensure the promotion of quality education by proper
supervision and professionalization of the teaching practice.
Thus, it is mandated for DepEd to institute measures that will
continuously improve the competence of teachers in accordance
with the international standards of practice. The CPD for Licensed
Professional Teachers (LPTs) has become a mandatory requirement
by the Professional Regulation Commission (PRC) in the renewal
of the professional license. Currently, all professional teachers are
required to complete the required number of credit units every
three (3) years.

Module 3 – Policies on Promotion and
Opportunities for Progression
At the end of this module you should be able to:
1. be familiar, and eventually comply with the guidelines
on continuing professional development, career
progression and promotion;
2. participate in professional networks to share
knowledge and to enhance practice towards
continuing professional development (7.3.2); and
3. adopt practices that uphold the dignity of teaching
as a profession through professional and personal
development (7.2.2).
Module Outline
Session 1: Appointment and Promotion of other Teaching, Related
Teaching and Non-teaching Positions
Session 2: Scholarships
Session 3: Professional Associations for Teachers
Required Tasks
1. Viewing
2. Formative Quizzes
3. Reflection Activity
Required Resources
Printed/Online Copy of:
• DepEd Order No. 66, s. 2007 on Revised Guidelines
on the Appointment and Promotion of other Teaching,
Related Teaching and Non-teaching Positions
• CSC Resolution No. 1100824 Title? (http://www.csc.gov.
ph/phocadownload/PolicyReso/polresR1100824LSP.pdf)
• Republic Act No. 4670 on The Magna Carta For Public
School Teachers. (http://docshare01.docshare.tips/
files/6716/67163834.pdf)

Session 1 – Appointment and Promotion of
other Teaching, Related Teaching and Non-
teaching Positions
Key Topic 1: The Need for Professional Growth
The videos in the introductory activity aim to encourage you to
consider your career direction in the Department of Education.
Now that you are in the final course of the TIP, consider how you
will grow your career in the Department of Education.
PAUSE AND REFLECT: Why should you start now to consider
ways for improving your skills as a teacher?
Qualify Yourself.
“Compounding is the most powerful force in the universe,” says
Albert Einstein. To be able to reach career promotion, you have
to qualify yourself. QUALIFY YOURSELF. That is the common
encouragement of school heads to their teachers who aim for
promotion. Probably, you are already thinking how you will grow
professionally in the Department of Education. This module will
guide you on this particular track. But why do you need to know
about promotion and why is it important to be promoted?
In her book Never Work Harder Than Your Students & Other
Principles of Great Teaching, Robyn Jackson stressed, “You
don’t become a master teacher by simply doing what a master
teacher does. You become a master teacher by thinking like
a master teacher thinks. Any teacher can become a master
teacher.” After several years in service, you will yield a lot of
experiences as a teacher. All you have to do is to nourish a
productive mindset, and work in a way that will make you one.
Since this is the last module of TIP, probably you have somewhat
grasped the culture in your public school. How are you thriving
so far? Hence, this TIP hopes that you are adjusting and
working well in your respective workstation. Kottler, E., Kottler,
A., & Kottler, C. (1998) encouraged new teachers to succeed in
their first year:
If you hope to have a long, distinguished career
as a teacher, not as someone who does a credible
job but rather as one who strives for excellence,
then the seeds for this passion must be planted
now. Much depends on who you choose as your
mentors, who you surround yourself with as a
support system, and how hard you are willing to
work on your growth and development. Just like
an athlete who works out every day, practices skills
religiously, studies new innovations, and keeps
himself or herself in peak physical shape, you too,
must devote yourself to superb conditioning—not
only of your body but your mind and your spirit as
well (105).

Maintain your enthusiasm to learn.
For the past several months, you have engaged yourself in a
teacher induction program by the Department of Education
that orients you on what it takes not only to do well in your
first year in the Department of Education, but to actually
flourish, so what happens after that? Kottler et al (1998) also
advised teachers to be the kind of teacher they wish to be:
Ironically, in some ways, your first year is the
easiest one in the sense that you have no worries
about keeping your excitement and enthusiasm at
peak levels. Unfortunately, as some teachers gain
experience, they also lose some of the spark they
once had, the innocence that led them to believe
anything was possible, that they really could make
a difference.
Right now, you have something very, very
precious: your own strong belief that you will be
different. You will be the kind of teacher who keeps
the momentum going, who continues to commit
yourself to future growth, who is always learning,
always reinventing yourself. You will be the kind of
teacher who learners revere and admire, not just
for what you know but for who you are as a human
being. Your love and compassion and empathy are
transparent, for anyone to see. The kids know how
much you care. (106)
Strive to be better.
Indeed, you need to have a promotion because you also
need to improve your earning ability for your personal and
professional growth. In his book Master Your Time, Master
Your Life, international best-selling author and inspirational
speaker Brian Tracy (2016) defines earning ability as “the total
accumulation of all your knowledge, skills, experience, study,
hard work, and results you have acquired over the course of
your life and your career. It has taken you your whole life to
develop (66).”
Tracy (2016) also pointed out that since earning ability is an
asset, it can either be appreciating or depreciating over time.
Earning ability can be an asset “when you are continually
upgrading yourself, making yourself become more and more
valuable, doing more of those tasks that people value highly
and are willing to pay for (66).” On the other hand, your earning
ability can be depreciating if you are not continually upgrading
your skills and abilities that can be done through study and
hard work. He cited Anders Ericson who stated that “most
people work for the first year to learn their jobs well enough so
as not to get fired. After that, they never get any better. They
never improve. Ten years after they started their job, they’re no
more productive than they were after one year (67).” Hence, as
a teacher in the Department of Education you are inspired to
have an appreciating asset.

Key Topic 2: DepEd Order on the Appointment and
Promotion of Teaching, Related Teaching, and Non-
Teaching Positions
In the previous module, you were oriented about your
continuing professional development. In this module, you
will know different options for career progression. DepEd
issues orders to facilitate the appointment and promotion
of teaching, related teaching and non-teaching positions in
the department.
As of 2020, *DepEd Order No. 66, s. 2007 on Revised
Guidelines on the Appointment and Promotion of Other
Teaching, Related Teaching, and Non-Teaching Positions is
still in effect. These guidelines shall apply to the appointment
and promotion of Teaching and Related Teaching Group
such as:
• Teacher II and III;
• Education Supervisor I, II, and III;
• Chief Education Supervisor;
• Education Program Specialist I and II;
• Senior Education Program Specialist;
• Chief Education Program Specialist;
• Guidance Counselors;
• Guidance Coordinators; and
• other teaching and related positions indicated in the
Magna Carta for Public School Teachers, except School
Heads – Principals and Head Teachers and all Non-
Teaching Groups.
*This DepEd Order may be updated to address the needs
of the system. Check with your mentor if there are more recent
DepEd Orders.
The guidelines in the DepEd order aim to achieve the principles
of merit and fitness, objectivity and uniformity in evaluation; and
strengthening of the selection process. Moreover, these should
guide teachers in planning for their career progression in the
department.
Required Task: Policy Reading
The most important thing for teachers to know about promotions are
the criteria and the requirements or means to verify achievement of
those criteria. These are goals tied up with your everyday teaching
practice. Read the latest policy on teacher promotions and see
how you could align your teaching practices and professional
development aims with the criteria and requirements. Fill in the
table on the next page with your answers.

Criteria for Promotion
Requirements or means to verify
achievement of the criteria
Teaching practices or professional
development aims aligned with the
promotion criteria
Example: Performance Rating Performance rating for the last 3 rating pe-
riods should be at least Very Satisfactory
• Focus on improving my teaching
practice to meet expectations in the
RPMS-PPST and get Very Satisfactory
rating
Example: Education Master’s Degree • I intend to enroll in a Master’s Degree
to further my knowledge and skills in
content and pedagogy

Summary
• The teaching profession demands continual professional
growth. The classroom offers experience for teachers to
improve their practices with the help of mentors, but it
also needs to be coupled with continuous enthusiasm
to learn through conscious planning of professional
development goals.
• DepEd acknowledges the need to align the guidelines
on promotion with what the teachers need in order to
improve their teaching. It is important for teachers be
mindful of the criteria and means to verify achievement
not only for career progression but also towards
professional development.

Session 2 – Scholarship Programs
Key Topic 1: Lifelong Learning
You can continue your education to discover your potential. Most
successful people in any discipline are lifelong learners. They are
continually adding to their range of knowledge and skills. The
most competitive teachers spend much more time practicing and
upgrading their skills. In her book What Keeps Teachers Going,
Sonia Nietto (2003) shared her observations about newly-hired
teachers:
Excellent teachers don’t develop full-blown at
graduation; nor are they just “born teachers.” Instead,
teachers are always in the process of becoming.” Given
the dynamics of their work, they need to continually
rediscover who they are and what they stand for through
their dialogue and collaboration with peers, through
ongoing and consistent study, and through deep
reflection about their craft. They also need to understand
the nature of their work and its life-and-death potential in
the lives of their students. They need to understand that
teaching is neither missionary work (although it may be a
mission), nor just another job. (125)
When you become a lifelong learner, your potential has no limit.
Hence, keeping up with the professional literature and enrolling
in professional course work are important in developing and
maintaining teacher effectiveness. You may try doing university
course work and programs that lead to a graduate degree in a
field of study. Make sure that it is relevant to your discipline or
specialization. You may also attend workshops and special courses
conducted by a university or college. If you are thinking about the
expenses, you may check to see whether scholarships or grants
are available. Several cities or provinces or government agencies
offer monetary incentives or financial assistance for enrolling in
teachers’ professional development programs. Some cities or
municipalities offer partial or full reimbursement for graduate work.
You may consider the local scholarship program of the Civil Service
Commission (CSC).
Key Topic 2: The Local Scholarship Program of the
Civil Service Commission
CSC Resolution No. 1100824 on Local Scholarship Program
(Modified) was signed on June 21, 2011 “to keep abreast of the
changing times, and to strengthen and make appropriate the
Local Scholarship Program to the Strategic Priorities and the
Performance Government System (PGS) of the Commission (CSC
Res. No. 1100824 page 1).”
The objective of Local Scholarship Program (Modified) is “to
equip government employees with competencies in advancing
their personal and career growth as well as engaging themselves
in pursuing national development goals (CSC Res. No. 1100824
page 4).”
Who can be scholars? Scholars are “deserving and qualified
government employees who are expected to contribute to the
development and implementation of policies and programs of their
respective agencies (CSC Res. No. 1100824 page 5).”

Key Topic 3: Recruitment, Selection, and Grant for
Local Scholarship Program
CSC Resolution No. 1100824 spelled out the guidelines for
recruitment, selection, and grant for local scholarship program as
stated in Table 2a and 2b.
Requirements Selection Procedures Grant of Formal Education Scholarship
1. Applicant must meet the following
requirements:
• Occupies second level position;
• Holds a Permanent appointment;
• With at least two (2) years of continuous
service;
• Holds a Bachelor’s degree;
• Has at least Very Satisfactory
performance for the last two (2) rating
periods; and
• Has not earned any Master’s Degree nor
enrolled in a graduate course.
a. Applicant shall submit directly to the Head
of Agency his or her application in the
form prescribed by the CSC. The Agency
Human Resource Management Officer/
Practitioner shall pre-screen the applicant
and determine whether he or she meets the
requirements set by the CSC.
b. After pre-screening, the Agency Personnel
Development Committee (PDC) shall
conduct a screening and identify who will
be recommended for nomination by the
Head of Agency to the CSC for the grant of
scholarship.
c. CSC Screening
- Written examination
- Technical interview
d. Submission of Research Proposal
e. Medical Test
Tuition fee, book allowance, thesis writing
assistance, miscellaneous and other school
related fees in the amount of One Hundred
Twenty Thousand Pesos (Php120,000.00);
Salaries, allowances, and other benefits provided
by law; and Completion of the scholarship would
be considered a major factor / consideration for
promotion of the scholar/s to a higher position
in the scholar’s Agency or other government
instrumentalities.
Table 2a. Guidelines for Master’s Degree Course

Requirements Selection Procedures Grant of Formal Education Scholarship
• Occupies second level position;
• Holds a Permanent appointment; and
• Holds a Bachelor’s degree.
a. Application
b. Agency Screening
c. CSC Screening
- written examination
- technical interview
d. Submission of Action Plan
e. Medical Test
Tuition fee, book allowance, thesis writing
assistance miscellaneous and other school
related fees in the amount of Sixty Thousand
Pesos (Php 60,000.00);
Salaries, allowances, and
other benefits provided by law;
Completion of the scholarship would
be considered a major factor /
consideration for promotion of the
scholar/9 to a higher position in the
scholar’s Agency or other government
instrumentalities; and
Equivalency of three (3) master’s degree units
if Action Plan resulted to a policy or program
proposal in the agency.
Table 2b. Guidelines for Diploma Programme

Key Topic 4: Terms and Conditions of Scholarship
of Local Scholarship Program
CSC Resolution No. 1100824 also specified the terms and
conditions of Scholarship. According to the resolution, the scholar
shall:
• Sign a Pledge of Compliance (Annex A) containing the
following obligations:
• Adhere to all the regulations and requirements of the
Local Scholarship Program (Modified);
• Abide by the Civil Service Law and its Implementing Rules
and Regulations;
• Exert utmost effort in completing the academic
requirements within two (2) years for the Master’s Degree
Course; and actual duration which may be from ten (10)
to twelve (12) months for the Diploma Programs;
• Maintain the ethical standards demanded of a government
scholar;
• Be responsible for himself/herself, his/her actions and
conduct;
• Obtain no failing grade nor a grade below the required
General Weighted Average (GWA) of 1.5 for the semester
(for the Graduate Studies: Master’s Degree Courses and
Diploma Programs) with no subject below a grade of 2.0;
and
• Be responsible for expenses incurred over and above
those covered by the scholarship and other benefits and
entitlements provided in the Local Scholarship Program
(Modified).
• Upon return to work, fulfill the service obligation as
required under Sections 17 and 19 of Rule VIII of the
Omnibus Rules Implementing Book V of Executive Order
No. 292.
Key Topic 5: Scholarship Provided in the Magna
Carta for Public School Teachers
Meanwhile, House Bill 8384 on An Act Strengthening And
Expanding The Professional Rights And Work Incentives Of Public
School Teachers, Amending For The Purpose Republic Act No.
4670, To Be Known As The Expanded Magna Carta For Public
School Teachers, And For Other Purposes is also providing
continuing education benefits for teachers.
According to Section 13, “Public School Teachers shall be given
free continuing education units as required by the Professional
Regulatory Commission (PRC) and for promotion purposes as
required by the Civil Service Commission in any State Universities
and Colleges (SUCs) nearest to their place of assignment or any
school deemed qualified by the Department. For this purpose,
the Department shall coordinate with the Commission on Higher
Education for the effective implementation of this provision.”
Key Topic 6: Other Scholarships for Public School
Teachers
There are other opportunities for scholarship for public school
teachers. You may check your municipal, city, or provincial
government. You may also search foreign and local or national
scholarships in DepEd, NEAP, and Regional Educational Learning
Center (RELC) websites. Also, there are private institutions,
including private colleges and universities that provide scholarships,
discounts, and financial aid.

Required Task 1: Lifelong Learning Plan
Map your lifelong learning plan. Fill in the box with the necessary information.
Type of Learning
Master’s Degree /
Diploma Course (Specialization)
Target School Possible Challenges Means to Overcome Challenges

Required Task 2: Formative Test
Write the correct order for the procedure in applying for
a scholarship for master’s degree from CSC. Number
the steps from 1 to 5.
Question Answer Feedback
1. The Agency Personnel Development Committee
(PDC) shall conduct a screening and identify who
will be recommended for nomination by the Head
of Agency to the CSC for the grant of scholarship.
2. Medical Test
3. Applicant shall submit directly to the Head of
Agency his or her application in the form pre-
scribed by the CSC.
4. Submission of Research Proposal
5. CSC Screening

Summary
• Most successful people in any discipline are lifelong
learners.
• *CSC Resolution No. 1100824 on Local Scholarship
Program (Modified) was signed July 21, 2021 to provide
local scholarship programs for public servants.
• *CSC Resolution No. 1100824 spelled out the guidelines
for recruitment, selection, and grant for local scholarship
programs.
• *House Bill 8384 on An Act Strengthening and Expanding
The Professional Rights And Work Incentives Of Public
School Teachers, Amending For The Purpose Republic
Act No. 4670, To Be Known As The Expanded Magna
Carta For Public School Teachers, And For Other
Purposes highlighted scholarships for teachers.
• There are other opportunities for scholarship for public
school teachers.
*Note: Always check for possible recent issuances. You may ask
your mentor, co-teachers, and school head.

Session 3 – Professional Associations for
Teachers
How did you deal with challenges on the first days of reporting
in your workstation? Write your answer in the field below and
answer the questions that follow.
Processing Questions:
1. What challenges did you encounter in your first days?

2. How did you overcome these challenges?
3. Did you rely on a specific person or people? How did you
seek help? Input your answer here.

Key Topic 1: Professional Association for Teachers
Mentors and a supportive working environment help newly-hired
teachers in their early year in teaching in DepEd. They also continue
to provide guidance as new teachers become more independent.
Equally significant to in-school mentoring is networking with others
in the professional or academic community to provide teachers
with opportunities to learn more.
According to the University of Sydney, professional associations
are organizations that serve as a governing body for professionals
working in the same or comparable professions. These
organizations can help to define the profession and help members
advance it via continuous learning, quality control, and research.
They also strive to maintain standards within a profession, provide
continuous professional development to members, and advocate
their members’ interests to the government and community.
Below are some benefits that professional associations for
teachers may offer to you:
1. provide expert knowledge on how to address specific
concerns on classroom management, content and
pedagogy, and other teaching domains
2. direct you to people who can provide you the resources
you need
3. a support system with other teachers who may share
similar concerns and challenges
4. an avenue to keep yourself up-to-date on latest
innovations in teaching
5. opportunities for fellowships, grants, scholarships and
awards
You may start off with by joining and participating in teacher
organizations in your school or division and eventually may give
you more opportunities to be part of regional and even national
level organizations.
Your membership in professional organizations and participation
in meetings, research, and advanced study can contribute to
professional growth and help improve your personal skills.

Required Task 1: Research on Professional
Associations for Teachers
Do research on professional associations for teachers. You may ask
your mentor and co-teachers about associations that they are part
of or familiar with. You may also do further research online. Choose
three professional associations that appeal to your interest. Take
note of their activities and goals, and write the things that you like
in each professional association in the boxes below.
Name of Association Brief Description Activities and Goals What you like most about it

Optional Task 1: Sharing
Suggested modality: via LAC. But could also be done through
informal meeting among teachers.
Share you answers in Required Task 1 with co-newly-hired
teachers. Did you list down similar associations? Did they list
associations that you are also interested in? Share plans on the
possibility of joining these associations. You may also seek advice
from your mentors and other co-teachers.
Key Topic 2: Choosing an Association to Join
Being part of an association requires resources, time and
commitment. Therefore, if you’re choosing an association to
join, you have to choose well to ensure that it will be worthwhile,
beneficial and fun.
Here are some tips in choosing a professional association to join:
1. Choose an organization that interests you
2. Find out what organizations others have joined
3. Join an organization that will help you achieve your
professional development goals
4. Do research

Optional Task 2: Survey
Ask your mentor and other co-teachers about other considerations
in choosing a professional association. Write down their tips below:
Required Task 2: Reflection
Go back to your list of professional associations that interest you.
Given the tips, which association are you most likely to join and
why? Input your answer here.

How do you expect this association to help you achieve your
professional development goals? (List down some benefits and
opportunities that are aligned with your goals)
Summary
• Participating in teacher organizations whether in national,
regional, or division levels could help you grow as a
teacher, not only professionally but personally as well.
• Your membership in professional organizations and
participation in meetings, research, and advanced study
can contribute to professional growth and help improve
your personal skills.
• You have to carefully choose the associations that you
will join in. One key consideration is to ensure that the
organization will help you achieve your professional
development goals.

Module 4 – Personal Development
and Well-being
Intended Module Learning Outcome
1. At the end of this module, you should be able to adopt
practices that uphold the dignity of teaching as a
profession by exhibiting qualities such as caring attitude,
respect and integrity (7.2.2).
Module Outline
Session 1: Health and Wellness
Session 2: Financial Literacy
Estimated Time Required: 2 hours
Required Tasks
• Scenario-based Activities
• Short Quiz
• Reflection
• Financial Literacy Self-assessment
• Making a Personal Development Plan
Required Resources
Printed/Online Copies of:
• A. Mason. 2019. 10 Bad Money Habits You Need to Break
Today. https://thecollegeinvestor.com/19037/10-bad-
money-habits-need-break-today/
• Government of the Philippines, Department of Health.
2019. Implementing Rules and Regulations of Republic
Act 11036, Otherwise Known as the Mental Health
Act. https://www.doh.gov.ph/sites/default/files/health_
advisory/IRR%20of%20RA%2011036.pdf

Session 1 – Health and Wellness
What activities outside work do you enjoy doing? (Example:
Watching tv series and movies, hiking, Zumba, etc.)
How often are you able to do these activities?
How do you balance your work with social life or family/me time?
Key Topic 1: Maintaining Work-Life Balance
Teachers’ commitment with their profession sometimes lead to
stereotyping teachers as always busy, spending time at school to
teach and spending the rest of their time to plan what to teach.
As someone new to the profession, you may not be new to these
assumptions about the life of teachers. Although teaching requires
a lot of dedication and hard work, it is possible for teachers to have
work-life balance.
First, you need to know more about something which may hinder
having this balance. Most of the time, you may lose time to do
activities outside work because your work may overwhelm you.
This feeling is often described as ‘stress’. According to the Mental
Health Foundation, stress is defined as the degree to which you
feel overwhelmed or unable to cope as a result of pressures that
are unmanageable.
The nature and severity of stress could be attributed to various
factors. Some reasons include daily pressures, workloads, new
assignments, learner behavior, or professional conflicts in the
workplace. It is important to identify which of these factors you
could control so that you could help yourself relieve some of the
work pressures.

Required Task 1: Activity
Read the given situations which might be experienced by a teacher like you. Identify the possible stress triggers, its effects, and your
coping strategies for each situation. Discuss your initial reactions and insights from the activity with your mentor and co-newly-hired
teachers.
Scenario Stress Trigger/s Effects Coping Strategies
1. You come home exhausted after a long day from school.
You feel the need for an early night rest. However, you
are worried about the scheduled visit of the Public
Schools District Supervisor (PSDS) in your school
to observe classes the following day. In anticipation
that you might be chosen for observation, you spend
time enhancing your Daily Lesson Plan and preparing
instructional materials. You know that you will end up
sleeping late.
2. You are assigned by your principal to lead the Monday
Flag Ceremony. The activity is scheduled to start at
5:45 AM. Yet you wake up late after doing overtime
work the night before. You know how important it is
to have breakfast before working. If you still take your
breakfast, you might be late going to school.
3. As a pilot school in the Learning and Development
System, your principal received a notice that DepEd
external partners are set for a visit tomorrow. Your
grade level team is in-charge of the preparations. While
working, one of your co-teachers begged off to render
extended time due to prior commitments. This teacher
has knowledge and skills in Events Management. You
are all pressured to accomplish the delegated task.
In the above scenarios, you will see how managing work-life balance may be tricky especially if there are sudden changes in the schedule, and

unexpected events. Even routine tasks (like the Flag Ceremony)
may cause stress due to several factors. Below are some tips on
how to cope with possible stress triggers:
1. Since stress is caused by being overwhelmed or
unprepared, setting and sticking to your routines and
schedules will be helpful.
2. Learn to say “No” to sudden invitations. This does not
mean that you can’t have fun. Instead, schedule a time
for you to have fun and do your leisure activities. Doing
leisure activities ‘only when you have the time’ will not
help you achieve work-life balance. Do not feel guilty to
schedule a whole weekend day or one full hour every day
to unwind.
3. Make best practice your everyday practice. Sudden
visitors and changes in observation schedule could
cause anxiety because you may feel like you need to do
something beyond the usual. That is why it is important
to make best practices as your normal practice. This way,
you just have to remind yourself in time of unexpected
situations that you are always doing your best.
4. Build supportive work environments. Be there for your
colleagues to provide moral support and guidance. Not
only because you expect them to do the same for you,
but because helping out a colleague should remind you of
how to treat yourself as well when you are going through a
bad day. It will help you go easy on yourself.
Key Topic 2: Stress and Stress Factor
It is important to take note that stress is the body’s response to
situational changes that require challenging adjustments. Stress
is not always a negative experience. There is a difference between
positive and negative stress.
Positive stress is labelled as eustress. It is observable in difficult
situations when a person chooses to take a positive view of things
rather than get affected negatively. Eustress is also characterized
as a short-term coping mechanism that provides enthusiasm,
motivation, and passion to a person in improving performance.
On the other hand, negative stress or distress involves the
formation of discomfort and anxiety to various uncontrollable
events. It is related to one’s perception that negative outcomes
can possibly happen in the existing situations. Distress can either
be short or long term depending on the person’s flexibility for
acceptance.
The following are the major categories of stress:
• Daily Life Hassles - These are stressors that are considered
minor and short-term in nature including traffic hassles,
relation conflicts, and time pressures. It can cause
feelings of sickness and lack of sleep and concentration
(Serido et.al., 2004, p. 17-33);
• Major Life Events - This is a by-product of major emotional
adjustments due to personal crisis like health or financial
problems, as well as other circumstances like career
advancement or retirement (Depression NZ, 2021); and
• Internal Stressors - It basically involves lifestyle choices,
self-thinking, expectations, and personality traits.

Optional Task: Activity
Answer the questions based on the scenario provided.
Teacher James is an Araling Panlipunan Teacher. He had done
well in teaching. In the past year, he was designated as Supreme
Student Government (SSG) Adviser, and he volunteered as Brigada
Eskwela and Learning Action Cell (LAC) Coordinator. Due to his
busy schedule, he seldom ate dinner with his family. His meals
often consisted of fast food. He even started drinking soda to
boost his energy. This led to decreased immunity which makes
him sick almost all the time.
1. What are some indicators that Teacher James is under
stress?
Possible answer and explanation that could be
provided by the mentor during discussion with the
mentee:
Stress can be manifested both in physical and behavioral
symptoms.
Physical symptoms of stress include increased sickness,
cold and sweaty palm, headache, jaw pain, heartburn,
and Diarrhea.
It also contributes to illnesses such as Cardiovascular
and Immune System disease, Asthma, Diabetes, memory
loss, Ulcers, Psoriasis, eating disorders, and Depression
Behavioral symptoms are increased use of alcohol and
drugs, difficult relationships, reduced social contract,
poor judgment/indecision, loss of appetite, irritability,
and tearfulness.

2. What could be the root cause of his stress and how
could he address this? Input your answer here.
3. What help could Teacher James seek from the school?

Required Task 2: Reflection
Assess whether you are practicing the following health and wellness habits that can be helpful in
coping with stress. Tell the reasons why you are doing or not doing it. Share your realization to your
mentor and co-newly-hired teachers in your learning discussion.
QUESTIONS ANSWERS FEEDBACK
1. What kind of food do you usually
eat?
2. How much time do you allot for
exercise?
3. Do you regularly stretch and
massage?
4. How long do you usually sleep?
5. Do you take a few deep breaths
every time you are under pressure?
6. What strategies do you do to
motivate yourself?
7. Do you express your feelings
properly when at the height of
anger?
8. Do you feel good about yourself?
9. Do you talk to someone whenever
you have emotional challenges?
10. Do you take meditation to attain in-
ner peace?
11. Do you have a regular time to pray
or reflect spiritually?

Key Topic 3: Managing Stress
ABCs of Managing Stress
When challenging situations arise, it is important for you to analyze
the events, determine the right feelings, and create realistic beliefs
that are based on facts. For this purpose, the formula below will
better help you in coping with stress:
A (Activating Event) + B (Belief) = C (Consequence)
Activating Event is any situation that triggers the formation of
stress in you. Your Belief will influence how you respond to the
activating event. The Consequence will be your resulting feeling
or reaction.
There are times that you probably jump from Activating Event to
Consequence without even considering your Belief. You may be
unaware that you are already processing your Belief in dealing
with the event. Relatively, the Consequence primarily comes
from your Belief.
The use of this ABCs formula will enable you to turn a negative
situation into an opportunity for learning and maturity. It involves
reframing and viewing your stressful situation from a more
positive perspective. For instance, rather than focusing on
discouragement when your principal corrects you for a mistake,
you may try to look at them as a way for personal growth. You
may reflect from your bad decision that contributed to the
situation and learn from it.
LEARNING THE ABCs:
Practice the ABCs in managing stress from the given Activating
Events. Be able to provide your Beliefs and the possible
Consequences. Identify other stress-triggering experiences where
you could apply the principles of ABCs Formula.

ACTIVATING EVENTS BELIEFS AND CONSEQUENCES FEEDBACK
During a teaching demonstration, your senior
co-teachers seem to be unreceptive of your
suggestions in introducing technology-based
instructional strategies. They still prefer to do
the conventional ways of delivering lessons.
You notice that there is no rationalization of
work in your Department. Sometimes, when
the department gets busy, they overlook
workload distribution. Since you are new-
ly-hired, most of the work were given to you.
You extend time in school to meet deadlines.
You do not have enough energy to prepare
lessons at home.
Being new in your school, you are still ad-
justing with the culture and practices of your
co-teachers. You know how important it is to
work collaboratively with them. But they do
not approach you for conversation.
Your own event
Your own event
The following are additional strategies that can help you in managing stress:
1. Avoid unnecessary stress (person, responsibility, environment, or topic);
2. Manage your time better;
3. Know your priorities;
4. Accept the things you cannot change; and
5. Make yourself resilient.

Key Topic 4: Mental Health
Emotional, psychological, and social well-being all contribute to
our mental health. It has an impact on our thoughts, feelings, and
actions. It also affects how we deal with stress, interact with others,
and make decisions. From childhood and adolescence through
maturity, mental health is critical at all stages of life. Mental health
is not only attributed to teachers alone. Everybody can go through
stress and mental health stigma.
One of the most pressing concerns that DepEd seeks to address
is the mental health of teachers. Teachers always do their best to
show a smile, be happy and be their best in front of their learners.
This may sometimes seem like they do not have problems, but
teachers do a lot of crucial decision making (from what activities to
do to how to help learners in difficult circumstances) that may be
taxing to their mental health.
Below are some ways on how to manage mental health:
1. Talk openly about mental health.
2. Get professional help if you need it.
3. Connect with others.
4. Get physically active.
5. Help others.
6. Get enough sleep.
7. Develop coping skills.
Republic Act No. 11036 on The Mental Health Act, recognizes
the key roles of schools in ensuring that mental health for every
Filipino is valued, promoted, and protected. Chapter V of the law
mandates the integration of age-appropriate mental health content
into the curriculum at all educational levels. All public and private
educational institutions shall be required to have a complement
of mental health professionals. Likewise, relevant programs
and policies for mental health awareness and support shall be
developed and implemented.
Optional Task: Reading
Read the Implementing Rules and Regulations of Republic Act No.
11036 on The Mental Health ActI. Share your new learning with
your mentor and co-newly-hired teachers during your discussion
meeting. The template below can help you in organizing your
insights. Provisions of the law that are related with the Duties and
Responsibilities of DepEd can also be discussed in your Learning
Action Cell (LAC).

Salient Points
of The Mental Health Act
Issues/Concerns Encountered New Learning
Input your answer here. Input your answer here. Input your answer here.

Complete the given Health and Wellness Plan. Put your personal
goal in ensuring positive health and wellness. Be able also to
identify your distress triggers, its effects, and the strategies or
practices that you commit to start doing to manage distress.
MY HEALTH AND WELLNESS PLAN
Health and Wellness Goal: Input your answer here.
Distress Triggers
Effects
(Physical, Psychological, Mental, or Social)
Coping Strategies/To-Do Practices

Summary
In view of the personal and professional challenges of teachers,
stress is a common experience that needs to be addressed. The
effect of stress in terms of physical, psychological, mental, and
social aspects among teachers can directly affect their work
productivity. Learning to manage stress effectively will definitely
help teachers in maintaining positive health and wellness. The
dignity of the teaching profession is reflected with the balance and
quality of life that teachers have.

Session 2 – Financial Literacy
Find out your current financial status by accomplishing the self-assessment tool adapted from Money
Management International (2015). Tick the appropriate column in each item that describes your
financial practices and habits. Interpreted results of this assessment will provide you information on
how you manage your finances at this point. Make this activity as an area of conversation with your
mentor and co-newly-hired teachers.
Financial Practices Always Sometimes Never
Do you…
pay the rent/mortgage obligations and utility bills on time?
save at least 10% of your net income?
keep three months net income in reserve for emergencies?
plan ahead for large expenses?
set and keep financial goals?
follow a budget?
shop for comparison?
regularly review your credit?
examine your checking account statements often?
continue your financial education?
Key to Interpretation of Answers:
Add your points using this system:
Always = 2 points Sometimes = 1 point Never = No point
0-10 Points: You need to take control of your finances
11-15 Points: You have a good effort in managing your money effectively
16-20 Points: You demonstrate ability to manage your finances successfully

Make a short reflection of your assessment result.
I have realized that Input your answer here.
Key Topic 1: Managing Personal Finances
As a steward of financial resources, there is a need for you to
become financially literate (Liuson 2015). Managing your personal
finances effectively will bring you a lot of advantages, particularly
on attaining financially sound living. You have to make appropriate
decisions on spending, budgeting, saving, investing, and planning.
Financial literacy will enable you to avoid chronic debts and other
financial issues. Falling short of budget will definitely contribute to
stress that affects a teacher’s well-being.
MONEY MATTERS:
Read and analyze the given scenarios. Identify the main problem
in each financial situation and the possible effects that it may
bring.
1. Teacher Marie has a big family. She has four sons and
two daughters. Her husband has no regular work. Every
month, there is an expectation from their children that
they will be going to the mall to spend time dining
together. They also buy the things that their children are
requesting, even unnecessary ones. Teacher Marie does
not want to disappoint them. So, upon receiving her
salary, she always gives favor to them.
Main Problem Input your answer here.
Possible Effects Input your answer here.

2. Principal Santos has observed the spending pattern of
the newly-hired teachers in their school. Their lifestyle
includes passion for international travels, fashionable
clothes, and latest gadgets. They even invest part of their
salaries to an online business that is not authorized and
does not provide sure income. No wonder that they are
always hopeful for paydays.
Main Problem Input your answer here.
Possible Effects Input your answer here.

Look at your budgeting or spending pattern. Share with
your mentor and co-newly-hired teachers if you are closely
applying or not applying the principles of 5-10-85 Rule. You
may start practicing it to improve your financial condition.
Key Topic 2: Budgeting
Budgeting is a foundational step in achieving financial literacy. It
involves the crafting of a plan to wisely spend your income in meeting
your personal and financial goals in life. Living beyond your means
is an unhealthy financial habit. Basically, your expenses should not
be more than your income. Savings are important for emergency
situations and other financial goals.
You may use the 5-10-85 Rule for keeping control of your finances.
This budgeting model was introduced by Mr. Mariel Vincent A.
Rapisura, a well-known financial trainer. It is suited for those who
earn up to PhP250,000 a year.
5-10-85 Rule – Allocation of Income
5% Insurance
10% Savings
85% Expenses
• 5% of your monthly income should be allocated to
insurance. You must protect your most valuable asset
which is yourself. This is more appropriate if you are the
sole breadwinner of your family. Prioritize getting affordable
health insurance that covers emergency care to augment
PhilHealth insurance benefits.
• 10% is considered as a decent percentage to be set
aside for savings, especially for those who are new to the
workforce. Use your savings for needed situations only.
Once annual income increases to greater than PhP250,000,
this should increase to 15%.
• 85% is your monthly ceiling for expenses including
food, clothing, rentals, bills and other expenditures. It is
best that you do not access loans, especially when used
for non-productive purposes. Be forewarned that when
you access a loan early, this will eat up in your budget
for daily living expenses. Once your income reaches
PhP250,000, strive to maintain your lifestyle such that
you gradually reduce expenses to 60% of your salary.
At the same time, gradually allocate a portion of your
salary for secure investments until it reaches 20% of
your salary.
Prompt:
According to the Institute for Financial Literacy, it is imperative for
you to set personal financial goals. It can be short-term or long-
term depending on your priorities and life situation. Your financial
goals reflect your values and the things you care about. This will
keep you on track in the proper management of your financial
resources. Based on these goals, you can create specific plans.
Your goals have to follow the acronym SMART, to wit:
• S - pecific: It clearly states what will you do and how
will you do it;
• M - easurable: It can measure progress for corrective
actions if necessary;
• A - ttainable and
• R - ealistic: It is based on your current financial status
and can discipline you to stick with the plan; and
• T - ime-bound It has a target timeframe.

I want to completely pay off my personal loan in 3 years
by setting aside P3,000.00 from my monthly salary for
payment.
Below is an example of a financial goal statement. Try to create
your own by putting emphasis on the acronym SMART.

Optional Task
Provide your honest responses to the following questions that center on spending
and debt. Read the feedback section for learning inputs on financial literacy.
QUESTIONS ANSWERS FEEDBACK
What are the sources of your
income?
In your monthly expenses, what
are those that fall under needs?
How about wants?
Do you have an existing loan from
a lending institution, an individual,
or through a credit card?
If yes, what was your reason from
borrowing?

Key Topic 3: Teacher Financial Literacy Concerns
“SANGLA-ATM”
Every payday, most of the teachers in a school would either go
to work late or go home early. They have to visit a well-known
loan shark in the locality who is holding their Automated Teller
Machine (ATM) Cards due to loans. The loan shark knows as well
the Personal Identification Numbers (PIN) of borrowers which
are supposed to be private. These teachers will have to get the
remaining balance out of their salaries. It is automatic that their
monthly installment payment and interest value from loans are
deducted in their accounts.
Optional Task
Based on the study conducted by the Philippine Institute for
Developmental Studies (PIDS) on households, the tendency rate of
public school teachers to borrow is 50 percent higher compared to
other government employees. For this reason, the following rules
should be kept in mind in getting a loan:
• Consider to get a loan for productive purposes only;
• Make sure that the rate of return is greater than the
interest of the loan;
• Purchase non-essential stuff through savings, not loans;
• Check the amount and frequency of loan payments due;
• Limit your loan payments at a maximum of 20% for your
steady income;
• Plan for making loan payments and generating
additional income; and
• Explore the possibility of consolidating all your loans into
one loan
How do you feel about the financial condition of these
teachers?

Optional Task
Suppose you are saving P12,000.00 in a bank for your first year of teaching (equivalent to
P1,000.00 per month). The interest rate is 4% per annum. Compute the value that you may get
after five years of saving.
Year Amount at the Start of the Year Interest Earned per Year Amount at the End of the Year
1 12,000.00 480.00
2 12,480.00
3
4
5

Key Topic 4: Savings
Developing savings and planning for your retirement will financially
secure you in the future. Saving is regarded as the postponement
of one’s pleasure for spending. It takes discipline to prioritize
savings over expenses (Income - Savings = Expenses). Ideally,
emergency savings should be equivalent to nine times of your
monthly expenses or six times of your monthly income. This
will make you recover from any uncertain situations. In order to
increase savings, you have to reduce your expenses and increase
your income (Rapisura 2016).
Optional Task
KNOW THE HABITS:
Read and reflect on the online article “10 Bad Money Habits You
Need to Break Today” written by Alexa Mason. You may access it
via the link found inside the box.
Organize your insights through the use of KCCF Quadrants. Sharing
of your learning to your mentor and co-newly-hired teachers is
encouraged.
K - nowledge
(Something that confirms what you already know)
C - hallenge
(Something that challenges you)
C - hange
(Something you plan to change)
I
F - eel
(Something you feel on what you learn)
I
https://thecollegeinvestor.com/19037/
10-bad-money-habits-need-break-today/

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